Point of View

Even before the COVID-19 pandemic, regulators have been encouraging banks to offer a “safer” alternative to payday loans: back in 2018, the Comptroller of the Currency testified before Congress [...]

What is the new frontier for the world’s largest technology corporations? Apparently, it’s financial services. In 2018, The Wall Street Journal uncovered that Amazon was talking with banks like [...]

A recent Fortune article paints a rather scary picture of a looming subprime crisis for auto lenders. As auto sales decline, automakers and lenders have taken to extending loans to more and more [...]

As we look ahead to AFSA’s Vehicle Finance Conference, we want to examine key trends impacting automotive finance: Auto sales are declining towards recession levels. According to FRED, while [...]

Businesses across every industry today are turning to machine learning and artificial intelligence to make better sense of the massive data at their fingertips. Yet discussions at the recent Auto [...]

If you think smart world-class companies don’t face challenges when using machine learning to automate credit decisions, just ask Apple and Goldman Sachs. Based on a flurry of angry tweets and [...]